The
armored duster is a full-length leather trenchcoat with antiballistic
cloth lining and Kevlar plates reinforcing vital areas. They are very
well balanced, and afford at least some protection to the whole body
(except for the head).
Aside from being very stylish, they also have one other unique quality:
they add +5 to your DC when worn, even if you are wearing other types
of armor. The duster is supplemental armor, and functions on the same
principle as reactive armor or Zimmeret on a tank: it disperses the
initial force of an incoming attack just enough to keep it from penetrating
the primary armor.
And it looks really cool.